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Golden Empire Mortgage, Inc. ("GEM") [NMLS ID No. 2427] is a California corporation whose principal business office is located at 1200 Discovery Drive, Ste. 300, Bakersfield, California 93309. GEM is a residential mortgage lender and servicer licensed by the Department of Business Oversight pursuant to the California Residential Mortgage Lending Act under license no. 413-0360. GEM conducts residential mortgage lending activities in the following additional states as follows:

Arizona: GEM conducts business in the state of Arizona as Golden Empire Mortgage, Inc. under Mortgage Bankers license no. 0906440 issued by the Arizona Department of Financial Institutions.

Colorado: GEM conducts business in the state of Colorado pursuant to a Mortgage Company Registration issued by the Colorado Division of Real Estate.

Oregon: GEM conducts business in the state of Oregon under Mortgage Lending License no. ML-2891 issued by the Division of Finance and Corporate Securities, Department of Consumer and Business Services.

Texas: GEM conducts business in the state of Texas as GEM Mortgage, Inc. pursuant to a Mortgage Bankers Registration issued by the Texas Department of Savings and Mortgage Lending. Notice to Texas Loan Applicants

Washington: GEM conducts business in the state of Washington under Consumer Loan Company License no. CL-2427 issued by the Washington Division of Consumer Services, Department of Financial Institutions.

 

Branch NMLS 50835  

NMLS Consumer Access

NMLS ID #: 50647

Norm Kremer

Sr. Mortgage Advisor, Branch Manager

Pre-Approval letters are essential to the offer process. If you are not quite ready for a pre-approval letter and  need to learn simple qualification information, click here.

A native Oregonian, Norm Kremer has assisted thousands of Oregon, Washington, and California families in obtaining, or maintaining, their homes since 1974. Over the years he became a Manager, a Regional Manager, and a Vice President of Lending for national lending agencies but he knew he could find something more satisfying.  Norm and his wife, Connie, founded All Pacific Mortgage in 1993 to give their friends, family, and clients excellent programs and rates, and something they couldn’t provide while working for someone else: Individualized Customer Service.  An expert in first-time homebuyer, investment property and construction financing, Norm has the experience and financial knowledge to aide his clients with any real estate financing need that may arise.  His diligence to find a great deal for his client enables them to refer others to All Pacific Mortgage.  He wants to make sure every loan produces a completely satisfied client. Norm’s ultimate goal, and compliment, is to become your “Lender for Life”.  One of the company’s top producers since 2005, Norm consistently earns the Chairman’s Circle Award by giving amazing service to his clients.

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“I look forward to serving you and your loved ones for years to come.” – Norm Kremer